Join Our ICO

Solving Small Business Cash-flow Problems with Low Interest Financing

What is Invox Finance?

How we are solving small business cash flow problems

The traditional model exposes the financier to considerable risk and increases the likelihood of disputes. It’s time for a change.

Sellers who have invoices they wish to sell to accelerate their cash-flow

Problem

The seller aims to obtain the best possible price for their goods or services and to receive payment for these as soon as possible. Allowing the buyer to delay payment of the invoices makes the seller more competitive but can also create periodic cash-flow issues for the seller. The risk to the seller is that they will not be able to continue operating their business without invoices being paid on delivery.

Solution

Through our platform we will connect the seller directly with individual investors who will finance the seller’s invoices. The seller will be able to get 80% of the face value of each invoice as soon as the invoices are issued and registered on our platform, thereby reducing the risk that they will not have the money to cover their operating expenses while they are waiting to get paid.

Investors seeking higher rates of return and diversification of their investment portfolio

Problem

Investors are currently not able to directly invest in invoice financing without establishing an invoice financing business. In the traditional invoice financing model, the risk is that the investor does not have a direct relationship with the buyer. The investor solely trusts the information provided by the seller. This exposes the investor to a considerable risk of the invoice not being paid as agreed, or being disputed.

Solution

Through our platform, investors will be granted access to an investment product that is for the most part currently only available to the banks and finance companies. Each investor will be able to invest in a number of loan fragments from a large number of diverse businesses across various industry sectors. Our platform’s loan fragmentation algorithm will automatically match the investor’s risk and investment profile with a predicted return on investment. Unlike in the traditional invoice financing model, on our platform the buyer will be part of the eco-system and will be asked to verify that the invoice is genuine and is due and payable. This reduces the risk to the investors that the invoice will not be paid. Invoices that are not verified by the buyer as genuine, due and payable may not be funded.

Buyers who will receive extended invoice payment periods and be rewarded for verifying invoices

Problem

The buyer wants to obtain the lowest possible price for their purchase and to delay invoice payment for as long as possible to optimise the use of their working capital. The risk to the buyer is that they may not have sufficient cash available to pay the invoices on delivery or shortly thereafter.

Solution

Once the seller has access to invoice financing, the seller is in a position to give the buyer more time to pay for their invoices (typically 30 to 60 days, however on our platform longer payment terms will be available), thereby optimising the buyer’s cash-flow position. When the invoice is paid by the buyer on our platform, the seller will receive the 20% balance of the invoice less the financing fee payable to the investors.

Our Powerful All-In-One Solution

Reinvention starts now.

We’re ushering in a new era of invoice financing by building a decentralised p2p platform where sellers, buyers and investors are connected.

Bonus Timeline

15.03.2018

Presale
30% Bonus

Ends 24.03.2018

03.04.2018

Crowdsale
20% Bonus

Ends 28.04.2018

29.04.2018

Crowdsale
10% Bonus

 

20.05.2018

Crowdsale
5% Bonus

 

10.06.2018

Crowdsale
0% Bonus

until ICO concludes

We're more than a rating, but numbers don't lie.

In the Press

x

Get involved. Join the ICO.

Invox Tokens

Your key to the platform.

Tokens with a real-world use case created on the Ethereum network.

Token Type

We consider our token not to be a security due to its utility and consumptive tokens and have obtained qualified legal advice concerning our token.

Token Ticker

INVOX

Emission Rate

No new coins will ever be created after the ICO.

Total Supply

464m Invox Tokens

Token Network

Ethereum (ERC-20)

Distribution

Tokens will be distributed after the token sale ends.

Token Value

1 ETH = 10,000 INVOX + any bonuses

Lock-up

No bonus lock-ups below 100ETH

Invox Token
Distribution

  • 45% Marketing45
  • 20% Investment Fund20
  • 15% System Development15
  • 19% Services19
  • 1% Misc Expenses1

Initial Coin Offering

Become an early adopter.

Take part in the ICO to pre-buy your membership to the platform.

Pre-sale Max Cap

2,941 ETH

Pre-Sale Minimum Buy

ETH 1.0

Max Cap

20,000 ETH

Main Sale Minimum Buy

ETH 0.1

Pre-sale SOLD OUT

Soft Cap Achieved

Maximum Supply

464,000,000 INVOX

Sale Structure

Stage 1

3/04/18

to

28/04/18

20% BONUS

Stage 2

29/04/18

to

19/05/18

10% BONUS

Stage 3

20/05/18

to

09/06/18

5% BONUS

Stage 4

 10/06/18

until

ICO
concludes

0% BONUS

Roadmap
Track every giant leap.

Meet the Invox Finance Team

The experts bringing you invoice lending on the blockchain.

Alex Mezhvinsky

Co-Founder - CEO

Adam Mezhvinsky

Co-Founder - COO

Daniel Tang

Head Analyst

Victoria Mezhvinsky

In House Legal Counsel

Boris Mezhvinsky

Angel Investor - CFO

Jose Luis Ramirez

Lead Software Engineer

Lucas Cullen

Lead Solidity Developer - Contractor

Henry Sit

Business Development Manager

Jordan Gifford-Moore

International Operations

Our Advisors

Super experienced. Always one step ahead.

Alex Mashinsky

Founder @ Celsius Network

Strategic Advisor

Emi Wada

Executive Director @ CRYPTO RESEARCH Co.,Ltd

Japanese Market Advisor

David Lu

Co-Founder @ Textbook Ventures

Investment Advisor

JP Thor

CEO @ CanYa

Crypto Advisor

Michael Bacina

Chair @ Canadian Australian Chamber of Commerce

Legal Advisor

Mo Hamdouna

Founder, Creative Director @ Mo Works

ICO Marketing Advisor

Chris McLoughlin

Co-Founder @ CanYa

Community Advisor

Kyle Hornberg

Co-Founder & COO @ CanYa

Operations Advisor

James Waugh

Director @ Blueblock

Tokenomics Advisor

Mauro Presicce

Project Manager @ Alpengate

Partnerships Advisor

Conston Taylor

ICO Financial Advisor @ Blockvest LLC

ICO Advisor

Our Partners

Bringing Invox Finance to all Corners of the world.

Celsius Network

Building a P2P Decentralized Lending & Borrowing Platform.

ABR Finance

Private finance company specialising in loans for the small business sector

SelfKey

SelfKey A blockchain based identity network

Amon

Save, Convert and Spend in one Wallet

TNG Wallet

The Next Generation e-Wallet

Mo Works Creative Agency

ICO Marketing Agency located in Melbourne with hands wrapped around the globe.

Spero Research

Strategy and Market Advisors

Blockchain & Bitcoin Brisbane

Blockchain & bitcoin consultants & software developers.

Made with Ply

UX design for apps, web and digital products.

MasterNode Ventures

Full stack ICO Advisory Service and Blockchain/cryptocurrency Incubator.

Got another question? Join the conversation on Telegram

Back a Revolutionary Product.